s87oqa7u-Non-LifeInsuranceinJapan-AutomobileInsurantce&FireInsuranceCASAnnualMeetingNovember18,2009KazuhiroTanaka,F.AJ,NipponkoaInsuranceCo,LtdJunlkeda,FL.AJJ.,FujiFireandMarineInsuranceCoLtd.HidekatsuOKubo,FLAJJ.,MitsuiSumitomoInsuranceCo.,Ltd.ShuheiHamano,F.LAJ,TokioMarine&NichidoFireInsuranceYuichiSuzuki,FLAJJ.,Ermst&YoungShinNihonLLCAgendaWewilldiscusscurrentsituationandissuesinJapan,especiallyonthefollowingtopics:$MarketSituation$CompulsoryAutomobileLiabilityInsurance(hearafterVCALT“)$VoluntaryAutomobileInsurance$FireInsurance$EarthquakeInsuranceMarketSituationKeyFigures(1)NumberofNon-LifeInsuranceCompanies:51NumberofAgencies:217,864(-7.6)NumberofSalesStaffinAgencies:2,154,962(+0.3%)DirectPremiums:JPY7.980.1b(-3.78)NetPremiums“:JPY7,161.8b(-4.19)DirectClaims:JPY4,378.6b(+2.3%)“auresareforFY2008(domesticcompaniesonly)(ThefiscalyearinJapanbeginsonApdillandendsonMarch31oflhenextyear)KeyFigures(2)DirectPremiumsbyDistributionChannel(inJPYbilion)Brokers.Dicct0294Disttibuton(0395)R(6.7%)“alligurcsareforFY20084&rzvs|KeyFigures(3)DirectPremiumsbyLineofBusinessMarncandInbindTronsiMiseslinenat485CosoalyaPYblioo&LincofBusinessDicctPremiamsVaaaryAnomoie|3447CALf、MaomAcgn1MiscelhneousCasual8复苎兰MarineandInbndTransi8Toal798041*allfieuresareforFY2008(domesticcompaniesonly)KeyFigures(4)DirectClaimsbyLineofBusinessMiceltmeowCeualy128ManneandIntandTrnsi3nJPYbitioo)LineofBusinessDicctChinsL_VobnaoyAuomobleCAEFFhePersonalAccidentMiscelhneousCasualyMarineandInbndTransiToul43787*allfieuresareforFY2008(domesticcompaniesonly)KeyFigures(5)DirectPremiumsbyLineofMainBusiness口VoluntaryAutombil(inJPYbilion)目CAL4.000一|anire3.5003.0002.5002.0001.5001.000350001999200020012002200320042005200620072008“FY1999一2008(domesticcompaniesonby)s|KeyFigures(6)LossRatiobyLineofMainBusiness1008目河述808二莲耿一一余一一一g一Iereasingx一-一GmduallyManyTVphoon一Landcd1Dependontbe一一Occureneeor208NannlHazand0820042005200620072008一一Vnan5E刹7刹4600861486238一8CAu70T4887258仪18春08一一e5838弛131982838564一Toal5明08林95168349“FY20042008(domesiccompanieson)LosRatio:ThcntioofcliinspaidplslosadjustncotexpesestodircctpremionswritenEnvironments(1)MaturationofMarket-ProgressofLowBirthrateandLongevity-LevelingOffofAutomobilePossessionRopolsioaRyneideramaapn界a印一60动200198L19861991“1996。20012006E晓oo广massnsuoaemrox芸园